In short
On a ₹50 lakh home in Navi Mumbai (Maharashtra), stamp duty comes to at least ₹2,50,000, charged on the higher of the price and the Annual Statement of Rates (ready reckoner). Across the RBI's 18 cities, house prices rose +3.6% over a year (Q1:2026-27 (April-June 2026)). A bank lends at most 80% of a ₹50 lakh home (RBI); the average rate on new housing loans was 7.61% in August 2026.
Calculate for Navi Mumbai
Navi Mumbai against the rest of India
Neither the NHB press release nor the list of the RBI's 18 cities carries Navi Mumbai, so Payotte has no price movement to report for it, and gives none rather than borrowing another city's.
Maharashtra charges stamp duty of 5% of the Annual Statement of Rates (ready reckoner) in a Municipal Corporation area (4% in a Gram Panchayat). On a ₹50 lakh home that is ₹2,50,000, joint 4th of the seven whose rates Payotte reads, level with Chandigarh, Odisha and Uttarakhand.
Navi Mumbai lies at 19.0°N, 73.0°E. Mumbai, 15 km to the west, is practically next door, then Thane (20 km, north) and Kalyan-Dombivli (25 km, north-east), as the crow flies. Four cities in all lie within 150 km (Mumbai, Thane, Kalyan-Dombivli and Pune). The farthest is Guwahati, 2,075 km away. The closest city with a RESIDEX figure is Mumbai, 15 km away, at +6.2%: a neighbour's number, not Navi Mumbai's own.
Maharashtra has five other cities on Payotte: Kalyan-Dombivli, Mumbai, Nagpur, Pune and Thane. Mumbai (+6.2%), Pune (+3.7%) and Kalyan-Dombivli (-1.7%) are the ones with a RESIDEX figure.
| City | Distance | Direction | Prices over a year (RESIDEX) |
|---|---|---|---|
| Mumbai | 15 km | west | +6.2% |
| Thane | 20 km | north | no figure |
| Kalyan-Dombivli | 25 km | north-east | -1.7% |
| Pune | 105 km | south-east | +3.7% |
| Surat | 240 km | north | no figure |
| Ahmedabad | 445 km | north | +7.9% |
| Indore | 505 km | north-east | no figure |
| Hyderabad | 605 km | east | +5.2% |
| Bhopal | 655 km | north-east | no figure |
| Nagpur | 675 km | east | no figure |
| Bengaluru | 835 km | south-east | +21.5% |
| Jaipur | 920 km | north | no figure |
The questions, answered
How much stamp duty on a ₹50 lakh home in Navi Mumbai?
On a ₹50 lakh home in Navi Mumbai (Maharashtra), the charges are stamp duty (5%) ₹2,50,000: at least ₹2,50,000 in all, and at least ₹5,00,000 on ₹1 crore, above the Annual Statement of Rates (ready reckoner), at the rates read on 14 October 2026 (registration fee not read at the source, not included).
What EMI on a ₹50 lakh home in Navi Mumbai?
On the largest loan an Indian bank may grant (80% of the price, RBI), ₹40 lakh over 20 years at the 7.61% average rate costs ₹32,493 a month.
How much tax when you sell a home in Navi Mumbai?
The Income-tax Act applies across India: a gain on a home held more than 24 months is taxed at 12.5% without indexation, ₹2,50,000 on a ₹20 lakh gain, before surcharge and cess
More on the tax when you sell: capital gains tax on property. On the loan: eligibility and EMI.
The figures
| Measure | Value | Source |
|---|---|---|
| Stamp duty (5%) on ₹50 lakh | ₹2,50,000 | Inspector General of Registration and Controller of Stamps, Maharashtra |
The RBI and the NHB publish price indices, not prices in rupees. National figures: RBI House Price Index +3.6% over a year (Q1:2026-27 (April-June 2026)); average rate on new housing loans 7.61% (August 2026).
Elsewhere in Maharashtra
Sources
- Duty: Maharashtra Stamp Act 1958, Schedule I, Article 25 (as modified up to 1 June 2022); the calculator.
- Prices and loans: NHB RESIDEX (source acknowledged); RBI House Price Index; RBI lending rates; RBI Credit Facilities Directions 2025, paragraph 111.